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Most snowmobilers are well aware (and have made their peace with) the various risks that come with riding their winter cruisers. What you might not know are the right snowmobile coverages to help you best prepare and recover from them. No worries — we've got a fresh-powdered primer on all the amazing options right here.

is snowmobile insurance required?

It depends on where you live. Some states require at least liability coverage, while others don't. Check with your state government to find out for sure. However, there are tons of benefits to getting or even increasing snowmobile insurance coverage.

types of snowmobile insurance coverage

Liability insurance

Causing a snowmobile accident can be scary. But having ample liability insurance (whether required in your state or not) can let you ride a bit more confidently. Liability coverage goes toward others' injury and property damage bills when you're at fault in an incident.

As a general rule, get as much liability protection as you can comfortably afford to best protect your savings.

Medical payments coverage

All riders can use some peace of mind when it comes to their health. With medical payments on your side, you and your passengers can get help covering snowmobile-related injuries within the first 3 years after the accident.

Comprehensive and collision coverage

If you're a serious rider (or plan to be), you need a serious snowmobile. Problem is, top-of-the-line sleds can run upwards of $15,000 — so how do you hit the slopes without worrying about what every little scratch might cost?

Easy, with comprehensive and collision coverage. These options help repair damage from a crash or falling debris, or even replace your snowmobile if it's stolen (provided your snowmobile was made after 1981).

Towing and labor coverage

Towing and labor coverage can help get your snowmobile to a service shop if it breaks down within 100 feet of the roadway.

Transport trailer physical damage coverage

Before you can hit the trail, you have to get there first. Good thing you can get up to $10,000 in coverage for your transport trailer when you get comprehensive and collision coverage, so you don't have to worry about an accident spoiling your snowmobiling fun before it even begins.

Optional equipment coverage

If you use your snowmobile for work, you likely want reliable coverage for items like cargo racks, saddle bags, and gripper skis. And even if you're all recreation, odds are you have apparel and performance items of your own to keep your ride fun and safe.

With Esurance snowmobile protection, you get $3,000 for your accessories automatically when you buy comprehensive coverage or comprehensive and collision coverage. And if you need more, you can go as high as $30,000.

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Snowmobile insurance policies underwritten by Esurance are available only in certain states. Coverage and discount availability varies by state and/or individual risk situation. Snowmobile insurance quotes, in states where Esurance snowmobile insurance is not available, are provided by Answer Financial, Inc. Snowmobile insurance quotes are not available in D.C. Esurance does not underwrite, provide customer service, or pay claims for any snowmobile policies sold by Answer Financial.